RETIREMENT PLANNING

Build a Retirement Corpus That Covers 25+ Years of Post-Retirement Life

A structured retirement plan ensures you never outlive your savings. We calculate your exact corpus need, recommend the right products, and track your progress every year.

Start Any Age

Planning

Multiple Products

NPS, MF, Bonds

Expert

Advisor

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Retirement Snapshot

Current Age35 Years

Retirement Age60 Years

Monthly Expense TodayRs.80,000

Corpus Needed at 60Rs.4.2 Crores

Monthly SIP NeededRs.18,500

KEY FEATURES

Why Retirement Planning Cannot Wait

Power of Starting Early

Starting at 30 vs 40 can halve the monthly SIP required for the same corpus. Every year of delay significantly increases the burden because of the compounding effect.

Inflation Erodes Purchasing Power

At 6% inflation, your Rs.80,000 monthly expense today becomes Rs.2.9 lakhs at age 60 in 25 years. We plan for the actual future expense — not today's numbers.

Multiple Products for Different Phases

We use equity MFs for corpus building (age 25–55), balanced funds for transition (age 55–60), and debt/bond/NPS annuity for income phase (age 60+).

Ensure You Never Outlive Savings

With life expectancy rising to 80+ years, a 25-year post-retirement income plan is essential. We structure the corpus to last 30 years with inflation-adjusted withdrawals.

Tax-Efficient Structuring

NPS contributions get tax benefits under 80C and 80CCD(1B). ELSS, PPF, and EPF also contribute. We maximise tax-efficiency across all retirement products.

Spousal Planning

We plan for both spouses — aligning retirement ages, accounting for different life expectancies, and ensuring the surviving spouse has adequate income for their remaining years.

ELIGIBILITY

Who Needs a Retirement Plan?

Everyone who does not have a government pension — which includes all private sector employees, self-employed, and business owners.

✓Any earning individual between age 20 and 55
✓Salaried employees relying only on EPF (which is rarely sufficient)
✓Self-employed professionals with no employer-contributed pension
✓Business owners whose retirement depends entirely on business value
✓Individuals 5–10 years from planned retirement for a detailed review
✓Those who want to retire early (FIRE planning)

Documents Required

✓PAN Card
✓Aadhaar Card
✓EPF / NPS statement if existing
✓Latest salary slip or ITR (for income planning)
✓List of existing investments (MF, FD, real estate, equity)
✓Insurance coverage details (life and health)

THE PROCESS

How It Works

Retirement Assessment Call

A 60-minute session to assess your current corpus, expected expenses, retirement age target, and lifestyle goals. We run projections using realistic inflation and return assumptions.

Retirement Plan Document

Receive a written plan with: corpus target, recommended product mix, monthly SIP amounts, NPS contribution, and year-by-year progress milestones.

Set Up All Investments

Open NPS account, set up equity and debt MF SIPs, review health insurance coverage, and if applicable, start term insurance. Complete in one sitting.

Annual Review

Annual review of plan progress. Adjust for salary changes, life events, and market performance. Keep you on track through the entire journey.

Frequently Asked Questions

How much corpus do I need to retire comfortably?

The rule of thumb is 25x your annual expenses — so if your yearly expense is Rs.12 lakhs, you need Rs.3 Crores. However, the right number depends on expected inflation, investment returns, life expectancy, and whether you have any guaranteed income (pension, rental). We run personalised projections to give you an exact target.

Should I rely on EPF alone for retirement?

EPF is a good foundation but rarely sufficient. EPF currently earns 8.15% per year, which may not beat inflation over the long term. Additionally, the typical EPF corpus at retirement covers only 5–8 years of expenses. A proper retirement plan combines EPF with NPS, equity SIPs, and debt for a 25–30 year income stream.

What is the ideal retirement product mix?

For someone 25+ years from retirement: 70% equity mutual funds (SIPs), 15% NPS, 15% debt. For 10–15 years from retirement: 60% equity, 20% NPS, 20% debt. For 5 years from retirement: start shifting to 40% equity, 60% debt/NPS. The exact mix depends on risk tolerance and corpus progress.

What is SWP and how does it help in retirement?

Systematic Withdrawal Plan (SWP) from mutual funds is the retirement income mechanism. Instead of depleting a fixed deposit, you invest your corpus in a balanced or debt fund and set up a monthly SWP. The remaining corpus continues to earn returns, potentially lasting the full retirement period while adjusting for inflation.

What if I want to retire at 45 instead of 60?

Early retirement (FIRE — Financially Independent, Retire Early) requires a larger corpus and more aggressive savings rate in the earning years. We plan for FIRE goals by calculating the exact corpus needed at target retirement age, recommending a higher equity allocation, and tracking progress against aggressive savings milestones.